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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,834 | $73,863-69.1% | $143,797-84.1% | $68,490-66.7% |
| Participation rate | 14.3% | 66.7%-52.4pp | 80.3%-66.0pp | 67.9%-53.6pp |
| Annual return | -20.21% | 0.91%-21.1pp | -0.04%-20.2pp | -7.85%-12.4pp |
| Employer contribution / active EE | $292 | $3,185-90.8% | $4,952-94.1% | $2,597-88.7% |
| Participant deferral / active EE | $958 | $3,385-71.7% | $5,638-83.0% | $4,028-76.2% |
| Admin fee / account holder | $987 | $5,756-82.8% | $14,679-93.3% | $5,403-81.7% |